Chapter 1- Introduction to the

Company

1
Company Profile-

The Leading Solutions is the one stop solution provider for all your financial needs. Our

objective is to serve the customers with the best solution for directing their finances in the

most profitable direction.

Company is able to facilitate various trainings and development programs with top B-schools

and we have already trained thousand of interns till date. We have liaison with more than 50

universities in India with the base size of 800 and above campuses, keeping in mind the most

critical needs in today's context, we have emerged as a service partner of various bank

providing one stop solution offering a gamut of services. TLS is one of the developing

consulting firm in India. TLS provides broad administration services to high and HNI clients.

Our exceedingly prepared and concentrated group draw in with customers from the nation

over just as those based abroad. We facilitate every one of the administrations expected to

deal with customer's cash and plan for their very own and family's present and future needs.

2
Details of the company-

Name of the company The Leading solutions

Location Netaji Subhash Place

Email [email protected]

Phone +91 9354 544 904

3
Company’s Vision and Mission-

Vision-

Our motive is to upgrade the perception of investors moving them from traditional

investment decision making to diversified one. In this dynamic economy it is always better to

diversify your funds. We work on the core mentality of investors and try to shift their interest

from traditional to modern mind set by providing them greater choices to invest. To expand

our piece of the overall industry year on year and keep up a similar dimension of involvement

for each customer.

Mission-

To assemble a world class business through high quality and genuine budgetary arrangements

upheld by sharp research and master group. The arrangements are conveyed by specialists

who comprehend the particular yearnings of each customer.

4
Services provided by the company-

1) Consulting services

2) Accounting services

3) Taxation services

4) Portfolio services

5) Recruitment services

Consulting Services-

TLS have a bunch of consultants that provides due diligence to the various businesses

relating to their essential business choices like Merger and Amalgamation, Investment and

growth into the new areas, etc. and that they additionally facilitate in characteristic the new

and effective sources of benefits whereas avoiding risk.

Accounting Services-

Accounting includes recording of financial transactions along with storing, sorting,

retrieving, summarizing, and presenting the results in various reports and analyses.

Accounting is core professional task which needs expertise and experience.

One part of accounting focuses on presenting the financial information in the form of general-

purpose financial statements (balance sheet, income statement, etc.) that are distributed to

people outside of the company. With a vast experience in the industry, the company provides

customised accounting solutions to clients.

Portfolio Management-

Portfolio management is the art and science of making decisions about investment mix and

policy, matching investments to objectives, asset allocation for individuals and institutions,

5
and balancing risk against performance. Portfolio management is all about determining

strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, domestic vs.

international, growth vs. safety, and many other trade-offs encountered in the attempt to

maximize return.

Recruitment Services-

Recruitment refers to the overall process of attracting, shortlisting, selecting and appointing

suitable candidates for jobs (either permanent or temporary) within an organization.

Recruitment can also refer to processes involved in choosing individuals for unpaid roles.

Managers, human resource generalists and recruitment specialists may be tasked with

carrying out recruitment, but in some cases public-sector employment agencies, commercial

recruitment agencies, or specialist search consultancies are used to undertake parts of the

process. Internet-based technologies which support all aspects of recruitment have become

widespread.

6
Employee structure:

Director : Mr Himalaya Sethi

Regional business head Mr Chinmay Tiwari

Regional sales manager Mr Akash Chaudhary

Assistant corporate sales Amritanshu Anand

manager

Company’s Customers:

TLS provide service to every individual whenever needed. All the financial and non

financial organization who’s income gainer.

Competitors:

1. Insplore Consultants.

2. Agile Capital Services.

3. AIM India

4. Deloitte.

5. Tata Consultancy Service

7
Chapter 2- Introduction to

Industry

8
The financial services industry provides financial services to people and corporations. This

segment of the economy is made up of a variety of financial firms including banks,

investment houses, lenders, finance companies, real estate brokers, and insurance

companies.

The financial services industry is one of the most important sectors of the economy.

Large conglomerates dominate this sector, but it also includes a diverse range of smaller

companies.

Non-Banking Financial Companies- NBFCs, play a vital role in the financial system of

India. The NBFC full form stands for “Non-Banking Financial Company.”, which comes into

existence after their incorporation with the ROC and becomes functional when the RBI gives

them the requisite licence to operate. These are establishments that provide banking services

without holding a banking license, filling in the gaps that traditional banks may not reach.

They play a significant role as non-banking financial institutions, providing credit facilities,

loans, asset financing, and more. These functions of NBFC are indispensable in enhancing

financial inclusion, particularly in unbanked and under-banked areas.

Operating under the regulatory purview of the Reserve Bank of India (RBI), NBFCs in India

are known for their versatility and adaptability. They cannot quite function as a bank per se,

because they cannot accept demand deposits or issue checks. Nevertheless, they stand out as

non-banking financial companies providing diverse financial services to meet a wide array of

consumer needs. The Leading Solutions is a type of NBFC.

9
Chapter 3- Project

Methodology

10
3.1Department-

Financial sector- The financial sector refers to the businesses and institutions that manage

money and provide intermediary services to transfer and allocate financial capital in an

economy. The sectors covered during the internship.

1. Gold- Gold has remained one of India’s most preferred modes of investment for a

long time. This is part because gold investments retain their value and even grow

during periods of economic uncertainty. Additionally, gold investments in India can

provide you protection against inflation and can be a good portfolio diversifier.

With a plethora of options available today, gold investment in India is not just limited

to buying gold in its physical form.

2. Banking sector- It is an industry and a section of the economy devoted to the

holding of financial assets for others and investing those financial assets as a

leveraged way to create more wealth.

a) Reserve Bank of India (RBI) is empowered to regulate, control, and inspect the

banks in India.

b) Banking industry is the backbone of India's financial services industry.

c) Country has several public sector, private sector, foreign, regional rural and

urban/rural cooperative banks.

d) Financial instrument in the banking sector- Fixed Deposits (FD) and Recurring

Deposits (RD) are both financial instruments that allow people to earn interest on

their investments. ... The minimum principal deposit required for an FD and RD

also varies for different banks. There are different Recurring Deposit schemes

available to people.

3. Stock Market-

a) SEBI is the regulator of stock markets in India

11
 b) Stock markets in Indian are-National Stock Exchange

c) Bombay Stock Exchange

d) Stock market is a place where shares of pubic listed companies are traded.

4. Mutual Funds-

a) Mutual funds are operated by professional money managers.It is a type of

financial vehicle made up of a pool of money collected from many investors to

invest in securities.

b) Managers invest in stocks, bonds, money market instruments, and other assets.

c) Managers allocate the fund's assets and attempt to produce capital gains or

income for the fund's investors.

d) A mutual fund's portfolio is structured and maintained to match the investment

objectives stated in its prospectus.

5. Real Estate Investing –

a) Buying and owning real estate is an investment strategy that can be both satisfying

and lucrative.

b) Real estate is a tangible asset.

c) Real estate has three basic categories-residential, commercial and industrial.

d) It requires a lot of money to invest

6. Post Office Saving Schemes –

a) The post office savings account is a deposit scheme provided by the post office

throughout India

b) A post office savings account requires a minimum balance of Rs.20 to open the

account.

7. Public Provident Fund- Public provident fund is a popular investment scheme

among investors courtesy its multiple investor-friendly features and associated

12
 benefits. It 1s a long-term investment scheme popular among individuals who want to

earn high but stable returns. A minimum of Rs.500 and a maximum of Rs.1.5 Lakh

can be invested in a provident fund scheme annually. Indian citizens residing in the

country are eligible to open a PPF account in his/her name.

8. Government Bond –

a) A government bond is a debt security issued by a government to support government

spending and obligations.

b) Government bonds can pay periodic interest payments called coupon payments.

c) The multiple variants of Government bonds are below –

Fixed-rate bonds, Floating Rate Bonds (FRBs), Sovereign Gold Bonds (SGBs)

9. Insurance – The insurance sector is made up of companies that offer risk management in

the form of insurance contracts.

a) The basic concept of insurance is that one party, the insurer, will guarantee payment for an

uncertain future event.

b) Two type of insurance categories are-

General Insurance (automotive, home, medical, fire, travel, etc.)

Life Insurance (term-life, money-back, unit-linked, pension plans, etc

13
Marketing Sector-

The marketing sector provides a fast-paced and exciting work environment. It overlaps with

the advertising and public relations (PR) industries and has many career opportunities

available, particularly for graduates. Understanding the marketing industry and the skills,

education and experience required to work in it may help you decide whether a career in this

sector is for you. In this article, we discuss the marketing industry, provide examples of

graduate employers, explore industry trends and outline how you might find employment in

this sector.As a part of internship we had to use various marketing strategies to sell the

investment bond of the company.

14
Introduction to Insurance-

Insurance is a contract, represented by a policy, in which a policyholder receives financial

protection or reimbursement against losses from an insurance company. The company pools

clients’ risks to make payments more affordable for the insured. Most people have some

insurance: for their car, their house, their healthcare, or their life.

Insurance policies hedge against financial losses resulting from accidents, injury, or property

damage. Insurance also helps cover costs associated with liability (legal responsibility) for

damage or injury caused to a third party.

Types of Insurance-

 Life Insurance Companies: These companies offer policies that provide financial

protection to beneficiaries in case of the insured's death.

 Property and Casualty Insurance Companies: They provide policies that cover damage

to property and liability for injuries or damages caused to others.

 Health Insurance Companies: Health insurance providers offer coverage for medical

expenses, including hospitalization, doctor visits, and prescription drugs.

 Auto Insurance Companies: These companies offer coverage for vehicles and drivers

in case of accidents, theft, or other incidents.

 Reinsurance Companies: Reinsurance companies provide insurance for insurance

companies. They assume a portion of the risk taken by primary insurers, helping them

spread their liabilities and maintain stability

15
Life insurance is covered under The Leading Solutions-

Categories of Life Insurance-

1) Term plan-

 No returns

 No bonuses

 Huge life cover

 Tax Benefits given

2) Traditonal category-

 Fixed returns

 Bonuses given

 Fixed life cover

 Tax benefits given

3) Unit Linked Insurance Plan-

 Fluctuating returns

 No bonuses

 Fixed life cover

 Tax benefits given

Terms used in Life Insurance Sector-

16
 1) Proposer- Proposer is the owner of the investment who pays the premium amount and

gets all the tax benefits. Minimum age of proposer is 18years, maximum age- no

limit.

2) Life assured- The one whose life is ensured in the investment and on the death of LA

only the life cover amount is given. Minimum age of LA is 5years and maximum age

is 55 years.

3) Nominee- The one who gets all the money on the death of LA.

4) Appointee- In case, the nominee is a minor all the money is given to appointee, who

takes care of the money and transfers it to the nominee once the nominee turns 18.

Minimum age of appointee is 18 years, maximum no limit.

Features of the insurance product offered by the company-

Investment bond from life insurance sector of Bank of Baroda

 Product category- it’s an investment bond with life cover.

 Brand Value- Bank of Baroda

 Tenure- Maturity tenure is 15 years

 Premium paying tenure is 12 years

 Return- i)Fixed 8% compound interest p.a.

 ii) Additional return-

 Revisionary bonus is 2-4% simple interest p.a.

 Terminal bonus is 40-60% of the life cover at maturity

17
 Liquidity-

 Surrender- Surrender means terminating the investment

 Assignment- Assignment means transferring the ownership

 Extra benefit-

 Life cover- It is 10 times of annual premium

 Tax benefits- Tax benefit u/s 80C and u/s 10(10)(D).

 Cashback- Customer will get be given a cashback of 103% of annual premium in the

third, seventh and eleventh year.

 Assignment- Assignment means to transfer ownership to other person.

18
3.2 Purpose and objective-

Purpose of the Study:

1. The study aims at understanding the market of Insurance. Insurance being one of the

most Important Financial Product in the market, still has not reached a more number

of customers.

2. The study also aims to understand various Life Insurance Products.

3. The main motive of the study is to understand the various factors that affect the

customers Decision in buying a Life Insurance Policy.

4. The study also aims to understand the various types of products provided by The

leading solutions.

Objectives of the study:

1. To know the investor’s attitude towards investment in private insurance industries.

2. To study the important parameters that investors think about before investing in

insurance products.

3. To know the different types of investment options available in the market.

19
3.3 1. Primary Source

It is a collection of data from the source of origin. It provides the researcher with first-hand

quantitative and raw information related to the statistical study. In short, the primary sources

of data give the researcher direct access to the subject of research. For example, statistical

data, works of art, and interview transcripts.

2. Secondary Source

It is a collection of data from some institutions or agencies that have already collected the

data through primary sources. It does not provide the researcher with first-hand quantitative

and raw information related to the study. Hence, the secondary source of data collection

interprets, describes, or synthesizes the primary sources. For example, reviews, government

websites containing surveys or data, academic books, published journals, articles, etc.

20
A tool of primary data collection- questionnaire was prepared in order to know about the

knowledge that people have about finance.

Q1. How would you describe your knowledge about personal finances?

Knowledge about personal

Beginner
Intermediate
Advanced

Q2. Do you have a five years savings/budget plan?

Percentage of people

No

Percentage of people

Yes

0% 10% 20% 30% 40% 50% 60% 70%

21
Q3. What according to you is the best investment option?

Investment options

Life Insurance
Fixed Deposit
Government bonds
Mutual Funds

Q4. How important is it for you to have emergency funds?

Emergency funds

Extremely important
Somewhat important
Not so important
Not at all important

Q5. What type of returns are you interested in?

22
 Returns

Fixed returns
Fluctuating returns

Q6. Which of the below insurances do you have?

Types of Insurance
life Insurance
Health Insurance
Car Insurance
Long term care

Q7. How important is it for you to save for retirement?

Importance of savings

Extremely important
Somewhat Important
Not so important

23
Q8. Do you have a bank account?

People having or not having bank

Yes
No

Q9. Have you set any financial goals?

Financial goals

Yes
No

24
Findings-

1. It can be observed that 75% people are interested in receiving fixed returns and 25%

people are interested in fluctuating returns.

2. Only 70% of the people have set financial goals and 30% people have not set goals.

3. According to the research 35% people have a five years savings plan and 65% people

don’t have a savings plan.

4. For 60% of the people it is extremely important to have emergency funds and for the

rest it is not that important.

5. It can be clearly observed that majority of people have a bank account

25
Chapter 4- Learning Summary

26
Learning Summary-

As a Finance and Marketing intern at The Leading Solutions I was familiarised with the basic

knowledge of corporate world and how every department work with basic information about

HR, marketing, finance and taxation. I was required to apply the training provided to me in

the real world, where I had to perform the skills and learnings, work with the employees in a

team and present my ideas. Also I was given a chance to interact with the customers as well.

During the marketing phase I learnt about-

· Research & report work

· Product marketing & selling

· Client relationship management

· Lead generation

· Portfolio suggestion & Marketing

. List of expectations from an investment

· Business Development Strategy

· Team Leading Profile

And during the finance phase I learnt about-

. Types of financial sectors

.Various exemptions under the Section 80(C)

.Assignments and presentations submitted related to the financial sectors.

27
Chapter 5- Conclusion

28
Conclusion-

My internship experience at The Leading Solutions was extremely valuable and

knowledgeable. I gained a lot of knowledge and skills through this internship. I was

familiarized with basic concepts of finance and marketing. I also learnt various marketing

strategies that helped me further in interacting with people. I faced some difficulties during

the early stages of my internship but my mentors were there for me throughout my journey

and motivated me. This internship helped me gain a lot of confidence and also helped me

improve my communication skills.

29
References-

https://www.theleadingsolutions.com/

https://www.investopedia.com/terms/i/insurance.asp

https://www.setindiabiz.com/what-is-nbfc

https://www.nseindia.com/learn/self-study-ncfm-modules-intermediate-banking-sector-

module

30